Open a Checking Account Online

Virtual Wallet combines innovative digital tools with your checking account.

Learn More and Apply Online

Checking at PNC is Virtual Wallet.

Now Including Low Cash Mode®[1]

In today's world, you need more than just a checking account.  Virtual Wallet starts with Spend, which is a checking account, and digital tools to help you manage your money and stay on track. To best meet your needs, we have three levels of Spend to choose from.

Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs.  

  Earn up to $400

when you open and use a select new Virtual Wallet product

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Virtual Wallet Student. For life on campus.

Best Overall
Banks for Students


  • No monthly service charge for the first 6 years
  • Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period
  • $5.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • One automatic courtesy refund of any Overdraft Item associated with the first overdraft event.
  • As a PNC customer, you can access your money fee-free at approximately 60,000 ATMs across the country, as listed on
  • Digital tools to plan and track your spending and automate your savings
  • Students AND parents can enroll to receive account alerts when balances are low

Explore Account Details »

Foundation Checking for strengthening your budgeting and financial needs.*

  • No Overdraft fees
  • Free Cashier’s checks
  • Digital tools to track your account activity
*Visit a PNC branch to apply for Foundation Checking

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PNC Foundation Checking Account

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Benefits & Features

Branch and ATM Access

Take advantage of more than 2,600 locations and approximately 60,000 PNC and Partner ATMs Coast to Coast.

Find an ATM/Branch Near You »


Low Cash Mode with Virtual Wallet

Manage your Spend account when your balance is low. With Low Cash Mode, you can use Intelligent Alerts, Extra Time and Payment Control to help you avoid overdraft fees.[1]

Explore Low Cash Mode »

PNC Debit Cards

Use your PNC Bank Visa® Debit Card to tap into convenience by uploading to a mobile wallet of your choice, stay informed by setting up alerts to track and monitor purchases, and reward yourself with PNC Purchase Payback®.

Explore PNC Debit Cards »

Frequently Asked Questions



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Tips to Smart Spending - Track Your Recreational Budget

To avoid regretful spending, take inventory of your recreational budget. This is easier than you think — here’s how to start.

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PNC product and feature availability varies by location. By using your zip code, we can make sure the information you see is accurate.
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Important Legal Disclosures and Information

  1. Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

  2. A supported mobile device is needed to use Mobile Banking. Standard message and data rates may apply.

Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group.

Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Visa® is a registered trademark of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.